Our take: Due to Huntington’s limited availability and lack of transparency, we recommend checking out our picks for the best personal loans before you proceed with this lender.
Personal Loans
- Secured and unsecured personal loan options
- May be available to those with less-than-perfect credit
- Borrow up to $500,000 using a secured loan (with sufficient collateral)
- Only available in 11 states
- Limited information about loan terms is available online
- No cosigner options
- Can’t check rates without hurting your credit score
| Rates (APR)* | 8.51% – 25.00% |
| Loan amounts | Up to $50,000 (unsecured); Up to $500,000 (secured) |
| Unique feature | Choose your first payment date up to 60 days after closing |
Huntington Bank offers both secured and unsecured personal loans, providing options for borrowers with varying credit profiles. You can borrow up to $50,000 with an unsecured loan or up to $500,000 with a secured loan if you have sufficient collateral.
The ability to choose your first payment date up to 60 days after closing adds flexibility. However, Huntington’s loans are only available in 11 states, and its online information is limited. Huntington is a decent option, but we recommend exploring higher-rated lenders or marketplaces, such as Credible, SoFi, and Upgrade, for more competitive options.
How does a Huntington personal loan work?
Unsecured
| Terms | Details |
| Fixed rates (APR) | 9.23% – 25.00% |
| Loan amounts | Up to $50,000 |
| Unique features | Choose your first payment date up to 60 days after closing |
A Huntington Bank personal loan is a straightforward way to borrow money without needing to put up collateral. You apply based on your credit score and income, and the process is simple. Here’s how it works:
Fixed rates
Huntington’s personal loans have fixed rates, so you know exactly what your monthly payments will be.
Loan amounts and flexibility
You can borrow up to $50,000, which can cover a wide range of needs, and Huntington gives you flexibility when it comes to your first payment. Y
Repayment
You can choose to start repaying up to 60 days after your loan closes, giving you a bit of breathing room if needed.
Loan management
Once approved, managing your loan is easy through Huntington’s online banking or mobile app. You can check your balance, make payments, and keep track of everything right from your phone or computer. Prefer more personal help? You can also manage your loan over the phone or in a branch.
Eligibility requirements
f you live in one of the 11 states Huntington serves, you might be eligible for an unsecured personal loan. U.S. citizens and resident or non-resident aliens with a taxpayer identification number can apply.
While Huntington doesn’t specify exact requirements for credit score or income, it considers these factors in the approval process. Financial stability, shown through employment history, is also important.
| Requirement | Details |
| Citizenship | U.S. or non-resident and resident aliens (with a taxpayer identification number) |
| Employment status | Must show employment history |
| State of residence | 11 states (listed below) |
States where Huntington Bank personal loans are available
- Colorado
- Illinois
- Indiana
- Kentucky
- Michigan
- Minnesota
- Ohio
- Pennsylvania
- South Dakota
- West Virginia
- Wisconsin
Secured personal loans
| Terms | Details |
| Fixed rates (APR) | 8.22% – 25.00% |
| Loan amounts | Up to $500,000 |
| Unique features | Choose your first payment date up to 60 days after closing |
A Huntington Bank secured personal loan, also called a “deposit secured personal loan,” uses your own funds as collateral, helping reduce risk for the bank and potentially allowing for better loan terms. Here’s a quick breakdown:
Collateral
To secure the loan, you’ll need to deposit cash into a savings account, certificate of deposit (CD), or money market account. If you can’t repay the loan, Huntington will keep the funds. This added security can make the loan more accessible to those with lower credit scores because the collateral reduces the bank’s risk.
Application and approval
The application process requires you to show your ability to repay the loan, though Huntington doesn’t specify minimum credit or income requirements. Having collateral could make it easier to qualify if your credit is less than perfect.
Loan terms and rates
You can borrow up to $500,000 with fixed rates, which means your monthly payments stay the same throughout the loan. You also have the flexibility to choose your first payment date, up to 60 days after your loan closes.
Loan management
Once approved, you can manage your loan online or through Huntington’s mobile app. If you prefer traditional methods, you can also handle payments over the phone or at a local branch.
Huntington’s secured personal loans offer high loan amounts, but we think Best Egg offers the best secured loan around.
Eligibility requirements
Here’s how you can qualify for a secured loan with Huntington.
| Requirement | Details |
| Citizenship | U.S. or non-resident and resident aliens (with a taxpayer identification number) |
| Employment status | Must show employment history |
| State of residence | 11 states (listed below) |
| Other requirements | Need savings account, certificate of deposit, or money market account to use as collateral |
States where Huntington Bank personal loans are available
- Colorado
- Illinois
- Indiana
- Kentucky
- Michigan
- Minnesota
- Ohio
- Pennsylvania
- South Dakota
- West Virginia
- Wisconsin
What can a Huntington Bank personal loan be used for?
Huntington Bank personal loans are versatile and can be used to cover a wide range of financial needs. Whether you’re looking to consolidate debt, finance home improvements, or handle unexpected expenses, this loan offers flexibility for various purposes.
However, like most lenders, Huntington may restrict certain uses, so it’s important to ensure that your intended purpose aligns with the loan’s terms.
Common uses for Huntington Bank personal loans include:
- Debt consolidation
- Home improvements
- Major purchases
- Unexpected expenses
Before applying, make sure to check with Huntington for any specific limitations regarding loan use.
Costs and fees
Knowing the costs and fees associated with a Huntington Bank personal loan is key to understanding how much your loan will cost over time. Here are the main factors:
- Interest rates: Huntington offers fixed rates ranging from 8.51% to 25%, depending on your creditworthiness, loan amount, and loan term. Borrowers with higher credit scores tend to get the best rates.
- Fees: Huntington doesn’t disclose specific fees, but personal loans often come with potential charges, including origination fees, late payment fees, or prepayment penalties. It’s important to clarify these details with the bank before committing to a loan.
To be sure you understand your loan’s cost, ask about any fees that may apply during the application process.
How do you repay a personal loan from Huntington Bank?
Repaying a personal loan with Huntington Bank is simple and flexible, offering a variety of payment options to suit your needs:
- Repayment options: You can make payments online via Huntington’s website or mobile app, over the phone, or by visiting a local branch. This flexibility makes managing your loan payments more convenient.
- Customizable payment terms: You can choose to start your payments up to 60 days after your loan closes, giving you breathing room to align with your financial situation.
- Impact of loan terms: The length of your repayment period and your rate will affect how much you pay overall. Shorter loan terms will result in higher monthly payments but less interest paid over time, while longer terms may lower your monthly payment but increase the total interest.
- Early repayment: Huntington doesn’t specify whether it charges prepayment penalties for paying off your loan early. Be sure to confirm this with the bank. Paying off your loan early can save on interest, but fees may apply.
For the best experience, check with Huntington Bank about any fees, penalties, and flexible repayment options before proceeding.
Pros and cons
Consider the risks and benefits before you proceed with Huntington Bank.
Pros
-
Flexible loan terms
With options for secured and unsecured loans and the ability to choose the first payment date, Huntington provides flexibility that can suit various borrower needs.
-
High loan limits
With a secured loan, you can borrow up to $500,000
Cons
-
Limited availability
Loans are only available in 11 states.
-
Lack of transparency
Huntington offers less information about its loan terms than our its higher-rated competitors
-
No cosigners
Huntington doesn’t allow borrowers to add a cosigner to potentially get lower rates or increase their chances of approval
-
No prequalification
You can’t view your rates without a hard credit check, which affects your credit score
Alternatives
We recommend prequalifying with at least three lenders to ensure you’re getting the best rates and terms. Among Huntington’s highest-rated competitors are:
- Credible, an excellent loan marketplace where you can view prequalified rates from multiple lenders without affecting your credit.
- SoFi, a great lender for borrowers with good credit.
- Best Egg, our top recommendation if you’re considering a secured loan from Huntington.
Here are several of our team’s top-rated personal loans:
- Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2025 was around $32K. Based on loans funded from 1/1/2025-12/31/2025. Information current as of 10/02/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.
- Fixed rates from 6.99% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% member rate discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, operating from its Delaware branch, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 10/02/26 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibilitycriteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.
- Autopay Discount: The SoFi 0.25% autopay interest rate reduction requires you to make monthly payments using SoFi’s automatic monthly deduction from a savings or checking account. The discount will discontinue and be lost when you do not have autopay enabled. You’re not required to set up autopay to obtain this loan.
- Member Rate Discount: To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) meet SoFi Plus eligibility criteria, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount. See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet. Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.
- Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2025 was around $32K. Based on loans funded from 1/1/2025-12/31/2025. Information current as of 10/02/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.
- Fixed rates from 6.99% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% member rate discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, operating from its Delaware branch, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 10/02/26 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibilitycriteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.
- Autopay Discount: The SoFi 0.25% autopay interest rate reduction requires you to make monthly payments using SoFi’s automatic monthly deduction from a savings or checking account. The discount will discontinue and be lost when you do not have autopay enabled. You’re not required to set up autopay to obtain this loan.
- Member Rate Discount: To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) meet SoFi Plus eligibility criteria, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount. See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet. Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.
- Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2025 was around $32K. Based on loans funded from 1/1/2025-12/31/2025. Information current as of 10/02/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.
- Fixed rates from 6.99% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% member rate discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, operating from its Delaware branch, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 10/02/26 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibilitycriteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.
- Autopay Discount: The SoFi 0.25% autopay interest rate reduction requires you to make monthly payments using SoFi’s automatic monthly deduction from a savings or checking account. The discount will discontinue and be lost when you do not have autopay enabled. You’re not required to set up autopay to obtain this loan.
- Member Rate Discount: To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) meet SoFi Plus eligibility criteria, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount. See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet. Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.
Is Huntington Bank a reputable lender?
| Source | Customer rating | Number of reviews |
| Trustpilot | 1.2/5 | 200 |
| Better Business Bureau (BBB) | 1.09/5 (A+, Accredited) | 379 |
| 2.1/5 | 63 |
On Trustpilot, BBB, and Google, the bank earns low ratings from customers. Based on a considerable number of reviews, the feedback reflects dissatisfaction with customer service and fees.
These reviews are for Huntington Bank as a whole, not specifically its personal loans. The common themes across these platforms point toward potential issues with customer service and fee-related disputes.
Does Huntington Bank have a customer service team?
Yes; here’s how to contact Huntington Bank’s customer service:
- Phone:
- General customer service: 800-480-2265 (available 7 a.m. to 7 p.m. Eastern, daily)
- Personal loan assistance: 800-628-7076 (specific hours not listed)
- Portal messages: Use secure messaging through the online banking portal.
- Chat: An automated chat assistant is available on Huntington Bank’s website for immediate queries.
- Mailing address: Mail inquiries to your local branch.
- In person: Visit a local Huntington Bank branch for face-to-face assistance.
- Mobile app: For digital banking users, the app provides access to account management and support features.
How to apply
Applying for a personal loan with Huntington Bank is easy, especially if you’re already a customer.
To get started, you’ll provide personal and financial details: your Social Security number, income, and employment history. Because the loan is unsecured, your credit score plays a significant role in the approval process, but you don’t need to offer any collateral.
For unsecured loans, you can apply online. Just visit Huntington’s website, start the application, and provide personal and financial information, including your Social Security number and employment history.
After submitting, expect a hard credit inquiry, which can affect your credit score. Approval typically takes a few business days.
To apply for a secured loan, you’ll need to visit a branch or call customer service. The process may require additional verification steps compared to the online unsecured application.
Both options offer flexibility and convenience, but secured loans require more in-person steps.
FAQ
Can you have more than one Huntington Bank personal loan?
Huntington Bank may allow borrowers to have more than one personal loan simultaneously. However, this is subject to individual credit approval and the borrower’s financial situation.
Having multiple loans with Huntington Bank or any lender depends on your credit score, income stability, and debt-to-income ratio. If you’re interested in taking out additional loans, contact Huntington Bank to discuss eligibility and any potential lending limits.
Can you pay off a Huntington Bank personal loan early?
Yes, you can pay off a Huntington Bank personal loan early. Huntington Bank doesn’t specify any prepayment penalties for its personal loans. However, it’s always wise to review the loan agreement or contact the bank to confirm the terms regarding early repayment.
How we rated Huntington Bank
We designed LendEDU’s editorial rating system to help readers find companies that offer the best personal loans. Our system awards higher ratings to companies with affordable solutions, positive customer reviews, and online transparency of benefits and terms.
We compared Huntington Bank to several personal loan lenders, using hundreds of data points from company websites, public disclosures, customer reviews, and direct communication with company representatives. We weighted, scored, and combined each factor to produce a final editorial rating. This rating is expressed on a scale from 1 to 5, with 5 being the highest possible score. Our take is represented in our rating, recapped below.
| Product | Our rating |
| Huntington Bank personal loan | 3.9/5 |
About our contributors
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Written by Amanda HankelAmanda Hankel is a managing editor at LendEDU. She has more than seven years of experience covering various finance-related topics and has worked for more than 15 years overall in writing, editing, and publishing.
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Edited by Kristen Barrett, MATKristen Barrett is a managing editor at LendEDU. She lives in Cincinnati, Ohio, with her wife and their pack of senior rescue dogs. She has edited and written personal finance content since 2015.